Tablas Saldos Insolutos

TASAS DE INTERS GLOBAL, TASA SALDOS INSOLUTOS Y CAT
Para simulaciones, modificar nmeros en rojo
DATOS INICIALES
TASAS DE INTERS EQU
CRDITO
FRECUENCIA DE LOS PAGOS
NMERO DE PAGOS MENSUALES
TASA DE INTERS GLOBAL POR MES
TASA DE INTERS GLOBAL ANUAL
PERIODO DE PAGOS EN EL AO (p)
1,000
MENSUAL
12
5.00%
60.00%
12
CRDITO
TASA INTERS GLOBAL X MES
PAGO MENSUAL
TASA DE INTERS
TASA INTERS MENSUAL
TASA INTERS ANUAL
CLCULO DEL PAGO DE UN CRDITO

MTODO: SALDOS GLOBALES
Caractersticas de un Crdito
Crdito
Tasa mensual
Pago mensual de Intereses
Plazo del crdito en meses
Pago intereses en total plazo
Pagos totales por efectuar
Crdito
Pago intereses en total plazo
Total a pagar
Clculo del pago catorcenal
Pagos totales por efectuar
Plazo del crdito en meses
Pago mensual
*
=
*
=
TABLA AMORTIZACIN: SAL

Pago
1
2
3
4
5
6
7
8
9
10
11
12
1,000
5.00%
50
12
600
1,000
600
1,600
TOTAL PAGADO
TABLA DE AMORTIZACIN SALDOS INSOLUTOS

Mes
Capital
Pago mes Intereses
1
1,000
133
81
2
948
133
77
3
891
133
72
4
830
133
67
5
764
133
62
6
692
133
56
7
615
133
50
8
531
133
43
9
441
133
36
10
343
133
28
11
237
133
19
1,600
12
133
Pago Capital
52
57
61
66
72
77
84
90
98
106
114
Menos Crdito
Intereses pagados
Nuevo saldo
948
891
830
764
692
615
531
441
343
237
123
VALOR PRESENTE DE LOS PAG

Mes
1
2
3
4
5
6
7
8
9
10
11
12
123
TOTAL
133
1,600
10
123
1,000
12
TOTAL
CLCULO DEL CAT (COSTO ANUAL TOTAL)

CAT del crdito NETO
a) Crdito libre de comisiones
b) Pago del crdito, intereses, gastos de aministracin, excluye IVA)
CLCULO DEL CAT
A.- MTODO: INVERSIN DE LOS PAGOS A

TASA DE INTERS COMPUESTA
Meses
1
2
3
4
5
6
7
8
9
10
11
12
Pagos que se
Reinvierten
Tasa Inters
Mensual
Meses
Inversin
133
133
133
133
133
133
133
133
133
133
133
133
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
8.09%
11
10
9
8
7
6
5
4
3
2
1
0
B) CAT:Valor presente
Saldo Inversin
a fin de periodo
TOTAL PAGOS + INTERESES EN EL AO
$314
$290
$269
$248
$230
$213
$197
$182
$168
$156
$144
$133
$2,544
* Todos los pagos quincenales se invierten a la misma tasa

de inters del crdito. Al final del periodo, el saldo ser:
* ElCrdito otorgado fue de:
CAT: Rendimiento de los pagos invertidos
$2,544
$1,000
154.4%
MES
(t)
1
2
3
4
5
6
7
8
9
10
11
12
TOTAL
Donde
PAGO = pago fijo del crdito s
i = tasa de inters anual o TIR
p = periodo de pagos en el a
t = nmero de pago secuencia
Valor Presente de cada Pago u

= PAGO / (1+i/p)^t
C.- CLCULO DEL CAT UTILIZANDO

LA TASA DE INTERS DEL CRDITO
CAT = ( (1+i/p)^p)-1
Valor Presente de cada Pago u

= PAGO/(1+CAT)^(t/p)
154.4%
p = periodo de pagos en el ao
D.- BANXICO: Calculadora del CAT
SAS DE INTERS EQUIVALENTES

1,000
5.0%
133
A INTERS GLOBAL X MES

O MENSUAL
A DE INTERS
A INTERS MENSUAL
A INTERS ANUAL
SALDO GLOBAL
5.0%
60.0%
SALDOS INSOLUTOS
8.09%
97.1%
LA AMORTIZACIN: SALDOS GLOBALES

Saldo:Capital
Pago mes
+ Intereses
Capital + Intereses
1,600
1,467
1,333
1,200
1,067
933
800
667
533
400
267
133
TAL PAGADO
133
133
133
133
133
133
133
133
133
133
133
133
1,333
reses pagados
-1,000
333
OR PRESENTE DE LOS PAGOS

Pago
Tasa Descuento
133
8.1%
133
8.1%
133
8.1%
133
8.1%
133
8.1%
133
8.1%
133
8.1%
133
8.1%
133
8.1%
133
8.1%
133
8.1%
Saldo Final de
Perodo
1,467
1,333
1,200
1,067
933
800
667
533
400
267
133
0
Pago: Valor presente

123
114
106
98
90
84
77
72
66
61
57
CAT
154.4%
133
8.1%
52
1,000
CAT:Valor presente de los pagos utilizando frmula del CAT.
PAGO
Tasa Inters
Mensual
Anual
Valor Presente Pago
133
133
133
133
133
133
133
133
133
133
133
133
1,600
O = pago fijo del crdito sobre saldos insolutos

asa de inters anual o TIR
periodo de pagos en el ao = 12
nmero de pago secuencial del crdito
or Presente de cada Pago utilizando la Tasa de Inters

AGO / (1+i/p)^t
or Presente de cada Pago utilizando el CAT (Anual)

AGO/(1+CAT)^(t/p)
CAT
8.09%
97.1%
123
114
106
98
90
84
77
72
66
61
57
52
1,000
154%
Pagos CAT
$123
$114
$106
$98
$90
$84
$77
$72
$66
$61
$57
$52
1,000
Para simulaciones, modificar tasa de inters anual en rojo

FRECUENCIA DE LOS PAGOS
PERODO DE PAGOS EN EL AO
TASA INTERS MENSUAL
CAT
ANUAL
1
60.0%
60.0%
MENSUAL
12
5.0%
79.6%
QUINCENAL CATORCENAL MENSUAL

24
26
52
2.5%
2.3%
1.2%
80.9%
81.0%
81.6%
CAT = ( (1+i/p)^p)-1
p = periodo de pagos en el ao
TABLA DE AMORTIZACIN CON PAGOS MENSUALES

Variables de la Tabla: Pago Mensual, Tasa de Inters, Crdito, nmero de pagos mensuales.
Llenar los nmeros que aparecen en recuadro de color
El clculo de la incgnita aparece en rojo

MTODO: SALDOS INSOLUTOS
INCGNITA: PAGO MENSUAL
Frecuencia pagos quincenales
TABLA DE AMORTIZACIN
Crdito
Periodos pago en el ao
Tasa interes mensual
Tasa de inters anual
Tasa de inters por periodo
Nmero de pagos
Pago mensual y quincenal
CAT
Mes
Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$13,000
12
3.8%
45.5%
3.8%
37
-$659.28
56.3%
Intereses
13,000
12,834
12,661
12,482
12,296
12,103
11,902
11,694
11,478
11,254
11,022
10,780
10,530
10,270
10,000
9,720
9,429
9,127
8,814
8,489
8,152
7,802
7,438
7,061
6,669
6,263
5,841
5,403
4,949
4,477
493
487
480
473
466
459
451
443
435
427
418
409
399
389
379
369
358
346
334
322
309
296
282
268
253
237
221
205
188
170
C
p=periodos de pago en el ao
i mes
i = tasa inters anual
i/p = tasa de inters por periodo
-$329.64
Pago mes
Pago Capital Nuevo saldo
-659.28
166
12,834
-659.28
173
12,661
-659.28
179
12,482
-659.28
186
12,296
-659.28
193
12,103
-659.28
200
11,902
-659.28
208
11,694
-659.28
216
11,478
-659.28
224
11,254
-659.28
233
11,022
-659.28
241
10,780
-659.28
251
10,530
-659.28
260
10,270
-659.28
270
10,000
-659.28
280
9,720
-659.28
291
9,429
-659.28
302
9,127
-659.28
313
8,814
-659.28
325
8,489
-659.28
337
8,152
-659.28
350
7,802
-659.28
363
7,438
-659.28
377
7,061
-659.28
392
6,669
-659.28
406
6,263
-659.28
422
5,841
-659.28
438
5,403
-659.28
454
4,949
-659.28
472
4,477
-659.28
490
3,988
31
32
33
34
35
36
37
TOTAL
3,988
3,480
2,952
2,405
1,837
1,247
635
ENERO
FEBRERO
MARZO
ABRIL
MAYO
JUNIO
JULIO
AGOSTO
SEPTIEMBRE
OCTUBRE
NOVIEMBRE
DICIEMBRE
151
132
112
91
70
47
24
11,369
-659.28
-659.28
-659.28
-659.28
-659.28
-659.28
-659.28
-24,393
1100
1100
1100
1100
1100
1100
1100
1100
1100
1100
1100
1100
508
527
547
568
590
612
635
12,365
3,480
2,952
2,405
1,837
1,247
635
0
6500
6500
6500
6500
6500
4500
4500
4500
4500
4500

INCGNITA: TASA DE INTERS
Crdito
Nmero de pagos
Pago mensual
CAT
Mes
Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$13,800
12
4.0%
47.9%
4.0%
36
-$729.00
59.9%
Intereses
13,800
13,622
13,437
13,244
13,044
12,835
12,619
12,393
12,159
11,915
11,662
11,398
11,124
10,840
10,543
10,235
9,915
9,581
9,235
8,874
8,500
8,110
7,705
7,283
6,845
6,389
5,915
5,422
4,910
4,377
551
544
536
529
521
512
504
495
485
476
466
455
444
433
421
409
396
382
369
354
339
324
308
291
273
255
236
216
196
175
C
n
i=t/n
tasa inters por periodo
t = tasa inters anual
Pmt
Pago mes
-729.00
178
13,622
-729.00
185
13,437
-729.00
193
13,244
-729.00
200
13,044
-729.00
208
12,835
-729.00
217
12,619
-729.00
225
12,393
-729.00
234
12,159
-729.00
244
11,915
-729.00
253
11,662
-729.00
263
11,398
-729.00
274
11,124
-729.00
285
10,840
-729.00
296
10,543
-729.00
308
10,235
-729.00
320
9,915
-729.00
333
9,581
-729.00
347
9,235
-729.00
360
8,874
-729.00
375
8,500
-729.00
390
8,110
-729.00
405
7,705
-729.00
421
7,283
-729.00
438
6,845
-729.00
456
6,389
-729.00
474
5,915
-729.00
493
5,422
-729.00
513
4,910
-729.00
533
4,377
-729.00
554
3,823
31
32
33
34
35
36
TOTAL
3,823
3,246
2,647
2,023
1,375
701
renta
11000
11000
11000
11000
11000
1500
1500
1500
1500
1500
153
130
106
81
55
28
12,444
-729.00
-729.00
-729.00
-729.00
-729.00
-729.00
-26,244
576
599
623
648
674
701
13,800
3,246
2,647
2,023
1,375
701
0

INCGNITA: CRDITO
Crdito
Nmero pagos mensuales
Pago mensual
CAT
Mes
Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
12
6.6%
79%
6.6%
15
-$107.15
115.7%
Intereses
1,000
959
915
869
819
766
710
649
585
517
444
366
283
195
101
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
66
63
61
57
54
51
47
43
39
34
29
24
19
13
7
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago mes
-107.15
41
959
-107.15
44
915
-107.15
47
869
-107.15
50
819
-107.15
53
766
-107.15
56
710
-107.15
60
649
-107.15
64
585
-107.15
68
517
-107.15
73
444
-107.15
78
366
-107.15
83
283
-107.15
88
195
-107.15
94
101
-107.15
101
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
607
0.00
0.00
0.00
0.00
0.00
0.00
-1,607
0
0
0
0
0
0
1,000
0
0
0
0
0
0

INCGNITA: NMERO DE PAGOS
Crdito
Nmero de pagos
Pago mensual
CAT
Mes
Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
12
6.6%
79%
6.6%
20.74
-$90.00
115.7%
Intereses
1,000
976
951
924
895
864
831
796
759
719
677
631
583
532
477
418
356
290
219
143
63
0
0
0
0
0
0
0
0
0
66
65
63
61
59
57
55
53
50
48
45
42
39
35
32
28
24
19
14
9
4
0
0
0
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago mes
-90.00
24
976
-90.00
25
951
-90.00
27
924
-90.00
29
895
-90.00
31
864
-90.00
33
831
-90.00
35
796
-90.00
37
759
-90.00
40
719
-90.00
42
677
-90.00
45
631
-90.00
48
583
-90.00
51
532
-90.00
55
477
-90.00
58
418
-90.00
62
356
-90.00
66
290
-90.00
71
219
-90.00
76
143
-90.00
81
63
-90.00
86
-23
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
867
0.00
0.00
0.00
0.00
0.00
0.00
-1,890
0
0
0
0
0
0
1,023
0
0
0
0
0
0
TABLA DE AMORTIZACIN CON PAGOS QUINCENALES

Variables de la Tabla: Pago Quincenal, Tasa de Inters, Crdito, nmero de pagos mensuales.
Llenar los nmeros que aparecen en el cuadro de color

INCGNITA: PAGO QUINCENAL
Frecuencia pagos quincenales
Crdito
Nmero de pagos
Pago quincenal
CAT
Nmero pago
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Capital
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
0
0
C
i mes
Pmt
Pago Total
-41.11
36
-41.11
36
-41.11
36
-41.11
37
-41.11
37
-41.11
37
-41.11
37
-41.11
37
-41.11
38
-41.11
38
-41.11
38
-41.11
38
-41.11
38
-41.11
39
-41.11
39
-41.11
39
-41.11
39
-41.11
39
-41.11
40
-41.11
40
-41.11
40
-41.11
40
-41.11
40
-41.11
41
-41.11
41
-41.11
41
0.00
0
0.00
0
0.00
0
0.00
0
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
0
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
1,000
0
0
0
0
0
0

Crdito
Nmero de pagos
Pago quincenal
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
0
0
C
n
i=t/n
Pmt
Pago Total
-41.11
36
964
-41.11
36
928
-41.11
36
891
-41.11
37
854
-41.11
37
818
-41.11
37
781
-41.11
37
743
-41.11
37
706
-41.11
38
668
-41.11
38
631
-41.11
38
593
-41.11
38
555
-41.11
38
516
-41.11
39
478
-41.11
39
439
-41.11
39
400
-41.11
39
361
-41.11
39
322
-41.11
40
282
-41.11
40
242
-41.11
40
203
-41.11
40
162
-41.11
40
122
-41.11
40
82
-41.11
41
41
-41.11
41
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
1,000
0
0
0
0
0
0

INCGNITA: CRDITO
Crdito
Nmero pagos
Pago mensual
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
24
1.0%
12.0%
0.5%
26
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-41.11
36
964
-41.11
36
928
-41.11
36
891
-41.11
37
854
-41.11
37
818
-41.11
37
781
-41.11
37
743
-41.11
37
706
-41.11
38
668
-41.11
38
631
-41.11
38
593
-41.11
38
555
-41.11
38
516
-41.11
39
478
-41.11
39
439
-41.11
39
400
-41.11
39
361
-41.11
39
322
-41.11
40
282
-41.11
40
242
-41.11
40
203
-41.11
40
162
-41.11
40
122
-41.11
40
82
-41.11
41
41
-41.11
41
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
1,000
0
0
0
0
0
0

Crdito
Nmero de pagos
Pago mensual
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
24
1.0%
12.0%
0.5%
26.00
-$41.11
12.7%
Intereses
1,000
964
928
891
854
818
781
743
706
668
631
593
555
516
478
439
400
361
322
282
242
203
162
122
82
41
0
0
0
0
5
5
5
4
4
4
4
4
4
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-41.11
36
964
-41.11
36
928
-41.11
36
891
-41.11
37
854
-41.11
37
818
-41.11
37
781
-41.11
37
743
-41.11
37
706
-41.11
38
668
-41.11
38
631
-41.11
38
593
-41.11
38
555
-41.11
38
516
-41.11
39
478
-41.11
39
439
-41.11
39
400
-41.11
39
361
-41.11
39
322
-41.11
40
282
-41.11
40
242
-41.11
40
203
-41.11
40
162
-41.11
40
122
-41.11
40
82
-41.11
41
41
-41.11
41
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,069
0
0
0
0
0
0
1,000
0
0
0
0
0
0
TABLA DE AMORTIZACIN CON PAGOS CATORCENALES

Variables de la Tabla: Pago Catorcenal, Tasa de Inters, Crdito, nmero de pagos mensuales.

INCGNITA: PAGO CATORCENAL
Frecuencia pagos catorcenales
Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
0
0
C
i mes
Pmt
Pago Total
-62.99
40
-62.99
41
-62.99
42
-62.99
43
-62.99
44
-62.99
45
-62.99
46
-62.99
47
-62.99
48
-62.99
49
-62.99
50
-62.99
51
-62.99
52
-62.99
54
-62.99
55
-62.99
56
-62.99
57
-62.99
59
-62.99
60
-62.99
62
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
0
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,260
0
0
0
0
0
0
1,000
0
0
0
0
0
0

Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
877
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
0
0
C
n
i=t/n
Pmt
Pago Total
-62.99
40
960
-62.99
41
919
-62.99
42
877
-62.99
43
835
-62.99
44
791
-62.99
45
746
-62.99
46
701
-62.99
47
654
-62.99
48
606
-62.99
49
557
-62.99
50
507
-62.99
51
455
-62.99
52
403
-62.99
54
349
-62.99
55
294
-62.99
56
238
-62.99
57
181
-62.99
59
122
-62.99
60
62
-62.99
62
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,260
0
0
0
0
0
0
1,000
0
0
0
0
0
0

INCGNITA: CRDITO
Crdito
Nmero pagos
Pago por perodo
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
26
5.0%
60.0%
2.3%
20
-$62.99
81.0%
Intereses
1,000
960
919
878
835
791
746
701
654
606
557
507
455
403
349
294
238
181
122
62
0
0
0
0
0
0
0
0
0
0
23
22
21
20
19
18
17
16
15
14
13
12
11
9
8
7
5
4
3
1
0
0
0
0
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-62.99
40
960
-62.99
41
919
-62.99
42
878
-62.99
43
835
-62.99
44
791
-62.99
45
746
-62.99
46
701
-62.99
47
654
-62.99
48
606
-62.99
49
557
-62.99
50
507
-62.99
51
455
-62.99
52
403
-62.99
54
349
-62.99
55
294
-62.99
56
238
-62.99
57
181
-62.99
59
122
-62.99
60
62
-62.99
62
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,260
0
0
0
0
0
0
1,000
0
0
0
0
0
0

Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
26
1.0%
12.0%
0.5%
26
-$40.92
12.7%
Intereses
1,000
964
927
891
854
817
780
742
705
667
629
591
553
515
476
437
399
359
320
281
241
201
161
121
81
40
0
0
0
0
5
4
4
4
4
4
4
3
3
3
3
3
3
2
2
2
2
2
1
1
1
1
1
1
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-40.92
36
964
-40.92
36
927
-40.92
37
891
-40.92
37
854
-40.92
37
817
-40.92
37
780
-40.92
37
742
-40.92
37
705
-40.92
38
667
-40.92
38
629
-40.92
38
591
-40.92
38
553
-40.92
38
515
-40.92
39
476
-40.92
39
437
-40.92
39
399
-40.92
39
359
-40.92
39
320
-40.92
39
281
-40.92
40
241
-40.92
40
201
-40.92
40
161
-40.92
40
121
-40.92
40
81
-40.92
41
40
-40.92
41
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,064
0
0
0
0
0
0
1,000
0
0
0
0
0
0
TABLA DE AMORTIZACIN CON PAGOS CATORCENALES

Variables de la Tabla: Pago Catorcenal, Tasa de Inters, Crdito, nmero de pagos mensuales.

INCGNITA: PAGO CATORCENAL
Frecuencia pagos catorcenales
Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
52
5.0%
60.0%
1.2%
25
-$46.27
81.6%
Intereses
1,000
965
930
895
859
822
785
748
711
673
634
595
556
516
475
435
393
352
309
267
224
180
136
91
46
0
0
0
0
0
12
11
11
10
10
9
9
9
8
8
7
7
6
6
5
5
5
4
4
3
3
2
2
1
1
0
0
0
0
0
C
i mes
Pmt
Pago Total
-46.27
35
-46.27
35
-46.27
36
-46.27
36
-46.27
36
-46.27
37
-46.27
37
-46.27
38
-46.27
38
-46.27
39
-46.27
39
-46.27
39
-46.27
40
-46.27
40
-46.27
41
-46.27
41
-46.27
42
-46.27
42
-46.27
43
-46.27
43
-46.27
44
-46.27
44
-46.27
45
-46.27
45
-46.27
46
0.00
0
0.00
0
0.00
0
0.00
0
0.00
0
965
930
895
859
822
785
748
711
673
634
595
556
516
475
435
393
352
309
267
224
180
136
91
46
0
0
0
0
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-1,156.87
0
0
0
0
0
0
1,000
0
0
0
0
0
0

Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$1,000
52
-19.5%
-233.7%
-4.5%
22
-$25.68
-90.8%
Intereses
1,000
929
862
798
736
677
621
568
516
467
421
376
334
293
254
217
182
148
115
85
55
27
0
0
0
0
0
0
0
0
-45
-42
-39
-36
-33
-30
-28
-26
-23
-21
-19
-17
-15
-13
-11
-10
-8
-7
-5
-4
-2
-1
0
0
0
0
0
0
0
0
C
n
i=t/n
Pmt
Pago Total
-25.68
71
929
-25.68
67
862
-25.68
64
798
-25.68
62
736
-25.68
59
677
-25.68
56
621
-25.68
54
568
-25.68
51
516
-25.68
49
467
-25.68
47
421
-25.68
45
376
-25.68
43
334
-25.68
41
293
-25.68
39
254
-25.68
37
217
-25.68
35
182
-25.68
34
148
-25.68
32
115
-25.68
31
85
-25.68
29
55
-25.68
28
27
-25.68
27
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-564.96
0
0
0
0
0
0
1,000
0
0
0
0
0
0

INCGNITA: CRDITO
Crdito
Nmero pagos
Pago por perodo
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$516
52
5.0%
60.0%
1.2%
23
-$25.68
81.6%
Intereses
516
496
476
456
436
415
394
373
352
330
308
286
264
241
218
195
172
148
124
100
75
50
25
0
0
0
0
0
0
0
6
6
5
5
5
5
5
4
4
4
4
3
3
3
3
2
2
2
1
1
1
1
0
0
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-25.68
20
496
-25.68
20
476
-25.68
20
456
-25.68
20
436
-25.68
21
415
-25.68
21
394
-25.68
21
373
-25.68
21
352
-25.68
22
330
-25.68
22
308
-25.68
22
286
-25.68
22
264
-25.68
23
241
-25.68
23
218
-25.68
23
195
-25.68
23
172
-25.68
24
148
-25.68
24
124
-25.68
24
100
-25.68
25
75
-25.68
25
50
-25.68
25
25
-25.68
25
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-590.64
0
0
0
0
0
0
516
0
0
0
0
0
0

Crdito
Nmero de pagos
Pago por perodo
CAT
Nmero pago Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
$516
52
5.0%
60.0%
1.2%
23
-$25.68
81.6%
Intereses
516
496
476
456
436
415
394
373
352
330
308
286
264
241
218
195
172
148
124
100
75
50
25
0
0
0
0
0
0
0
6
6
5
5
5
5
5
4
4
4
4
3
3
3
3
2
2
2
1
1
1
1
0
0
0
0
0
0
0
0
C
n
i=t/n
n
P
Pago Total
-25.68
20
496
-25.68
20
476
-25.68
20
456
-25.68
20
436
-25.68
21
415
-25.68
21
394
-25.68
21
373
-25.68
21
352
-25.68
22
330
-25.68
22
308
-25.68
22
286
-25.68
22
264
-25.68
23
241
-25.68
23
218
-25.68
23
195
-25.68
23
172
-25.68
24
148
-25.68
24
124
-25.68
24
100
-25.68
25
75
-25.68
25
50
-25.68
25
25
-25.68
25
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
0.00
0
0
31
32
33
34
35
36
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
-590.64
0
0
0
0
0
0
516
0
0
0
0
0
0
PAGOS FIJOS A CAPITAL

PERODOS DE PAGOS EN EL AO
MENSUAL
12
QUINCENAL
24
CATORCENAL
26
SEMANAL
52
El clculo del CAT deber hacerse con el simulador de Banxico en:
http://www.banxico.org.mx/CAT/index.html

MTODO: PAGOS FIJOS DE CAPITAL
PAGOS MENSUALES
Crdito
Perodos de pago en ao
Tasa de inters periodo
Nmero pagos del crdito
Pago fijo capital por periodo
Mes
Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
1,000
917
833
750
667
583
500
417
333
250
167
83
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
$1,000
12
8.1%
97.1%
8.1%
12
$83.33
C
i=t/n
n
Pago Capital Intereses

Pago mes
83.33
81
164.25
83.33
74
157.51
83.33
67
150.76
83.33
61
144.02
83.33
54
137.28
83.33
47
130.53
83.33
40
123.79
83.33
34
117.05
83.33
27
110.31
83.33
20
103.56
83.33
13
96.82
83.33
7
90.08
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
Saldo
916.67
833.33
750.00
666.67
583.33
500.00
416.67
333.33
250.00
166.67
83.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
526
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-525.96
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
//www.banxico.org.mx/CAT/index.html

PAGOS QUINCENALES
Crdito
Mes
Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
1,000
967
933
900
867
833
800
767
733
700
667
633
600
567
533
500
467
433
400
367
333
300
267
233
200
167
133
$1,000
24
8.0%
96.0%
4.0%
30
$33.33
C
i=t/n
n

Pago mes
33.33
81
114.25
33.33
78
111.55
33.33
76
108.86
33.33
73
106.16
33.33
70
103.46
33.33
67
100.76
33.33
65
98.07
33.33
62
95.37
33.33
59
92.67
33.33
57
89.98
33.33
54
87.28
33.33
51
84.58
33.33
49
81.88
33.33
46
79.19
33.33
43
76.49
33.33
40
73.79
33.33
38
71.09
33.33
35
68.40
33.33
32
65.70
33.33
30
63.00
33.33
27
60.31
33.33
24
57.61
33.33
22
54.91
33.33
19
52.21
33.33
16
49.52
33.33
13
46.82
33.33
11
44.12
Saldo
966.67
933.33
900.00
866.67
833.33
800.00
766.67
733.33
700.00
666.67
633.33
600.00
566.67
533.33
500.00
466.67
433.33
400.00
366.67
333.33
300.00
266.67
233.33
200.00
166.67
133.33
100.00
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
100
67
33
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
33.33
33.33
33.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8
5
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,254
41.43
38.73
36.03
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,254.21
66.67
33.33
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

PAGOS CATORCENALES
Crdito
Mes
Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
1,000
964
929
893
857
821
786
750
714
679
643
607
571
536
500
464
429
393
357
321
286
250
214
179
143
107
71
$1,000
26
8.0%
96.0%
3.7%
28
$35.71
C
i=t/n
n

35.71
81
35.71
78
35.71
75
35.71
72
35.71
69
35.71
66
35.71
64
35.71
61
35.71
58
35.71
55
35.71
52
35.71
49
35.71
46
35.71
43
35.71
40
35.71
38
35.71
35
35.71
32
35.71
29
35.71
26
35.71
23
35.71
20
35.71
17
35.71
14
35.71
12
35.71
9
35.71
6
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
36
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
35.71
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,173

PAGOS SEMANALES

Pago mes
116.63
113.74
110.85
107.96
105.07
102.18
99.29
96.40
93.51
90.62
87.73
84.84
81.95
79.06
76.17
73.28
70.39
67.50
64.61
61.72
58.83
55.94
53.05
50.16
47.27
44.38
41.49
Saldo
964.29
928.57
892.86
857.14
821.43
785.71
750.00
714.29
678.57
642.86
607.14
571.43
535.71
500.00
464.29
428.57
392.86
357.14
321.43
285.71
250.00
214.29
178.57
142.86
107.14
71.43
35.71
Crdito
Mes
Capital
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
1,000
978
956
933
911
889
867
844
822
800
778
756
733
711
689
667
644
622
600
578
556
533
511
489
467
444
422
38.60
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-1,173.29
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
TOTAL
400
378
356
333
311
289
267
244
222
200
178
156
133
111
89
67
44
22
0
0
0
0
0
0
0
LO DEL PAGO DE UN CRDITO

DO: PAGOS FIJOS DE CAPITAL
$1,000
52
8.0%
96.0%
1.8%
45
$22.22
C
i=t/n
n

Pago mes
22.22
81
103.14
22.22
79
101.34
22.22
77
99.54
22.22
76
97.74
22.22
74
95.95
22.22
72
94.15
22.22
70
92.35
22.22
68
90.55
22.22
67
88.75
22.22
65
86.96
22.22
63
85.16
22.22
61
83.36
22.22
59
81.56
22.22
58
79.76
22.22
56
77.96
22.22
54
76.17
22.22
52
74.37
22.22
50
72.57
22.22
49
70.77
22.22
47
68.97
22.22
45
67.18
22.22
43
65.38
22.22
41
63.58
22.22
40
61.78
22.22
38
59.98
22.22
36
58.19
22.22
34
56.39
Saldo
977.78
955.56
933.33
911.11
888.89
866.67
844.44
822.22
800.00
777.78
755.56
733.33
711.11
688.89
666.67
644.44
622.22
600.00
577.78
555.56
533.33
511.11
488.89
466.67
444.44
422.22
400.00
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
22.22
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,000
32
31
29
27
25
23
22
20
18
16
14
13
11
9
7
5
4
2
0
0
0
0
0
0
0
1,861
54.59
52.79
50.99
49.19
47.40
45.60
43.80
42.00
40.20
38.41
36.61
34.81
33.01
31.21
29.41
27.62
25.82
24.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-2,861.08
377.78
355.56
333.33
311.11
288.89
266.67
244.44
222.22
200.00
177.78
155.56
133.33
111.11
88.89
66.67
44.44
22.22
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Tasa de Inters mensual

Tasa de Inters anual
Crdito
Meses
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
Pago Mensual
$1,050.00
$537.80
$367.21
$282.01
$230.97
$197.02
$172.82
$154.72
$140.69
$129.50
$120.39
$112.83
$106.46
$101.02
$96.34
$92.27
$88.70
$85.55
$82.75
$80.24
$78.00
$75.97
$74.14
$72.47
5.0%
60.0%
1,000
1200
1000
800
600
400
200
0
1
Pago Mensual
10 11 12 13 14 15 16 17 18 19 20 21 22 23 24
Crdito
Pago Mensual
Corresponde a tasa mensual del 5%
para un crdito a 12 meses
Nmero pagos
Meses
Tasa de Inters
Mensual
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
0.3%
2.3%
3.8%
5.0%
6.0%
6.8%
7.4%
8.0%
8.4%
8.8%
9.1%
9.4%
9.7%
9.9%
10.0%
10.2%
1,000
-112.83
Tasa de Inters Mensual

12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
9
10
11
12
13
14
15
16
17
Inters Mensual
17
18
19
20
21
22
23
24
CALIFICACIN DEL CRDITO

Nombre solicitante
POLTICA DE CRDITO
0-5
6-8
9 - 10
Calificacin
Arraigo Domiciliario
< 1 ao
1 a 2 aos
> 2 aos
Estabilidad Laboral
Aos en empleo actual
< 1 ao
1 a 2 aos
> 2 aos
< 1 ao
2 aos
> 2 aos
Aos empleo anterior

Solvencia segn
Segn criterio con Agencia Calificadora
Estudio socioeconmico*
Pago este crdito / Ingresos
max 25% a 20%
<20% a 15%
< 15%
Pago deudas / Ingresos
max 35% a 20%
<20% a 15%
< 15%
Crdito / Garanta
max 50% - 40%
<40% -30%
<30%
Bur de Crdito
Segn reporte de Crdito
AVAL
Pago este crdito / Ingresos
max 25% a 20%
<20% a 15%
< 15%
Crdito / Garanta
max 50% - 40%
<40% -30%
<30%
PROMEDIO
Facultades para aprobacin de Crdito

Calificacin
7.7
0-5
6-8
9 - 10
Rechazo
Comit
7.7
Aprobacin
Nota: Las calificaciones se pueden ponderar para darle diferente peso especfico a cada concepto
No aplica
x
x

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TASAS DE INTERS GLOBAL, TASA SALDOS INSOLUTOS Y CAT

Para simulaciones, modificar nmeros en rojo

TASAS DE INTERS EQU

CLCULO DEL PAGO DE UN CRDITO

TABLA AMORTIZACIN: SAL

TABLA DE AMORTIZACIN SALDOS INSOLUTOS

VALOR PRESENTE DE LOS PAG

CLCULO DEL CAT (COSTO ANUAL TOTAL)

A.- MTODO: INVERSIN DE LOS PAGOS A

TOTAL PAGOS + INTERESES EN EL AO

* Todos los pagos quincenales se invierten a la misma tasa

CAT: Rendimiento de los pagos invertidos

Valor Presente de cada Pago u

C.- CLCULO DEL CAT UTILIZANDO

Valor Presente de cada Pago u

D.- BANXICO: Calculadora del CAT

SAS DE INTERS EQUIVALENTES

A INTERS GLOBAL X MES

LA AMORTIZACIN: SALDOS GLOBALES

OR PRESENTE DE LOS PAGOS

Pago: Valor presente

CAT:Valor presente de los pagos utilizando frmula del CAT.

O = pago fijo del crdito sobre saldos insolutos

or Presente de cada Pago utilizando la Tasa de Inters

or Presente de cada Pago utilizando el CAT (Anual)

Para simulaciones, modificar tasa de inters anual en rojo

QUINCENAL CATORCENAL MENSUAL

TABLA DE AMORTIZACIN CON PAGOS MENSUALES

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

TABLA DE AMORTIZACIN CON PAGOS QUINCENALES

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

TABLA DE AMORTIZACIN CON PAGOS CATORCENALES

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

TABLA DE AMORTIZACIN CON PAGOS CATORCENALES

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

CLCULO DEL PAGO DE UN CRDITO

PAGOS FIJOS A CAPITAL

CLCULO DEL PAGO DE UN CRDITO

Pago Capital Intereses

CLCULO DEL PAGO DE UN CRDITO

Pago Capital Intereses

CLCULO DEL PAGO DE UN CRDITO

Pago Capital Intereses

CLCULO DEL PAGO DE UN CRDITO

tasa inters por periodo

LO DEL PAGO DE UN CRDITO

Pago Capital Intereses

Tasa de Inters mensual

Tasa de Inters Mensual

CALIFICACIN DEL CRDITO

Aos empleo anterior

Segn criterio con Agencia Calificadora

max 25% a 20%